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余偉文:香港商業房地產貸款信貸風險可控
金管局公布,第二季末銀行特定分類貸款比率為1.97%,與3月底的1.98%相若。金管局總裁余偉文在《匯思》撰文稱,有關比率仍然有上升壓力,其中一個主要原因來自商業房地產信貸,但認為信貸風險可控。 他認為,香港商業房地產貸款的信貸風險可控。香港銀行對本地地產發展及投資貸款的風險敞口,大部分是面向財務狀況相對良好的大型本地企業。至於本地中小型地產發展商及投資者的風險敞口,包括一些財政狀況較弱或資產負債比率較高的發展商及投資者,銀行早年已經採取了信貸風險緩衝措施,有關貸款大部分均有抵押品。此外,銀行沒有對任何單一借貸人過度集中。 對於近日有媒體關注商業房地產貸款的風險,並著眼於銀行在會計上計算的「預期信用損失」。他認為,該計算方法只是利用模型設計作會計用途的一個表述,「預期信用損失」的貸款不代表是壞帳,因此不能作為全面評估銀行資產質素的依據。 另外,他指,設立「壞帳銀行」是當銀行資產負債表出現嚴重問題時的非常之舉,完全不切合目前香港銀行的穩健經營、財務實力雄厚的情況。
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